431 Locust Dr, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 431 Locust Dr, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,372 sqft · built 2004
Lot Size	0.478 acres (20,805 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Sep 2013)
Tax Bill	$6,255 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-321-06566501`

Property Details

APN / Parcel Number

Primary APN	`01-321-06566501`
Alternative APNs	`132106566501` `32106566501`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,372 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Roof Material	Composition Shingle
Lot Area	20,805 sqft (0.478 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	28 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	32106566501
Street Address	431 LOCUST DR
City	EDGEWATER
State	MD
Zip	21037-3038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 184R GLEBE HEIGHTS
Legal Subdivision	GLEBE HEIGHTS
Legal Block	1
Legal Lot Number	184R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1020
Census Tract	701202

Owner

Source: Anne Arundel County records, as of October 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	431 LOCUST DR, EDGEWATER, MD 21037-3038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2013 · Amount on Record
Deed Sale	Sep 30, 2013 · Amount on Record
Prior Sale	Aug 23, 2004 · Amount on Record
Deed Book / Page	26685 / 147
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 11, 2026
Property Address	431 LOCUST DR, EDGEWATER, MD 21037-3038
Document Number	4269000431
Book / Page	42696 / 431
Instrument Date	Aug 31, 2026
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 LOCUST DR, EDGEWATER, MD 21037-3038

Mortgage

Document Number	4269000431,
Date	Sep 11, 2026
Book Page	42696/431

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	431 LOCUST DR, EDGEWATER, MD 21037-3038
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	QUICKSILVA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0357970380
Date	Dec 15, 2020
Book Page	35797/380

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$683,500 (+28.02%) Land $308,200 Building $375,300	$683,500 (+28.02%) Land $308,200 Building $375,300
2025	$6,255.00 (+15%)
2023	$5,439.00 Homeowner's exemption	$533,900 Land $238,200 Building $295,700	$533,900 Land $238,200 Building $295,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 79 policies
Nearby Flood Policies	79 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Jan 2024 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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